The programme facilitates SMEs’ access to investment and operating loans from commercial banks and other lending institutions. In the case of the implementation of so-called special supported activities (ZPA), it is possible to obtain support under more favourable conditions. More favourable terms of this guarantee are also offered to companies in the sports sector whose business has been adversely affected as a result of the coronavirus measures, and to companies whose energy costs exceeding more than 10% of total operating costs.
Expansion Guarantees
Guarantee for development of your business
E
Expansion Guarantees
Guaranteed amount
up to 80%
What guarantee do we offer?
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Guaranteed amount
up to 80%Standard guarantee offers guaranteed amount up to 70% of the loan principal. In case of special supported activities and COVID support is guaranteed amount up to 80% of the loan principal
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Guaranteed loan amount
CZK 1-60 millionStandard guarantee offers guaranteed loan amount CZK 4-40 million. In case of Special supported activities is guaranteed loan amount CZK 1-60 million. In case of COVID support is guaranteed loan amount CZK 15 million. For "Energy guarantee" is the guaranteed loan amount CZK 1-10 million.
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Guarantee maturity
up to 10 yearsStandard guarantee offers maturity up to 7 years (in case of acquiring real estate up to 10 years). In case of special supported activities is up to 10 years. In case of COVID support is up to 3 years. For "Energy guarantee" is up to 2 years.
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Type of guaranteed loan
working capital and investment loanIn case of COVID support only working capital loan.
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Price for the guarantee
CZK 0 -
Financial contribution
up to CZK 1 millionInterest rate subsidy is provided only in the case of Covid support (up to CZK 1 million) and for "Energy guarantee" (up to CZK 800 thousand).
Project location & Supported sectors:
- Territory of the Czech Republic (except the Capital City of Prague)
- Sectors available in CZNACE list (Annex of the programme)
Special supported activities:
- Project implementation in one of economically affected regions
- Development of high-speed internet
- Efficient use of water in industry
- Calamity timber logging and processing
- Business centres development
- Material and energy recovery of waste
COVID support is designed for SMEs operating in the following areas:
- Passenger transport by cable car or ski lift
- Sports and recreational education
- Operation of sports facilities
- Activities of sports clubs (only for those closed due to the COVID pandemic)
- Activities of fitness centres (only for those closed due to the COVID pandemic)
- Other sports activities (only for those closed due to the COVID pandemic)
- Other amusement and recreation activities (only for the operation of ski slopes and the rental of leisure and entertainment equipment as an integral part of the services of recreational facilities)
What can be financed by this guaranteed loan?
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for the acquisition of machinery, equipment and technology (except COVID support and Energy guarantee)
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for the acquisition and technical improvement of buildings, including built-up land (except COVID support and Energy guarantee)
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for the acquisition of technological procedures, programmes and licences and software (except COVID support and Energy guarantee)
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the acquisition of other small tangible and intangible assets (except COVID support and Energy guarantee)
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the acquisition of other tangible and intangible fixed assets
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for the payment of operating expenses such as wages, rent, energy costs, supplier/customer invoices, purchase of stocks and materials, etc.
Other information
Portfolio guarantee for SMEs. State aid is de minimis.
The programme is financed from the ESI funds under the Operational Programme Enterprise and Innovation for Competitiveness. This operational programme is managed by the Ministry of Industry and Trade.
Contact us
Do you want to learn more about our programmes or our bank's activities? Send us your enquiry and we will get back to you.
